Commercial Income Qualifying

Commercial Income Qualifying

Hillmount Capital offers best-in-class loans for commercial income qualifying properties. Qualifying properties are eligible for our most competitive rates. Rates are subject to prime rate at the date of transaction. Prime rate subject to change.

Over the years, we have earned a reputation as a fair and flexible mortgage lender. We fund mortgages for many types of commercial properties including:

  • Retail plazas
  • Multi-residential
  • Warehouses and industrial
  • Office buildings
  • Mixed-use buildings and storefronts
  • Construction loans with interest reserves and presales


Where we lend:

  • Ontario

What we offer:

  • Loans between $2,500,000 to $50,000,000 
  • Terms for 6 to 24 months, with longer terms available
  • Interest-only or amortized
  • Debt Coverage Ratio (DCR) 1.00x and up. Lower ratio available with an interest reserve
  • LTV up to 65% 

Underwriting criteria:

  • To enquire: mortgage application, credit report, ownership structure, rent roll, operating statements
  • To close: AACI appraisal, phase 1 ESA, building condition, PNW statement, financial statements

Looking to fund a deal in Ontario? Contact today!